SparkLayer
“Can a lightweight B2B ordering overlay become the default finance-and-workflow layer for wholesale on top of consumer eCommerce platforms?”
Founded2020
HQBath, United Kingdom
Total raised$1.19M
Latest roundSeed
IndustryVertical SaaS / B2B eCommerce
The story
SparkLayer started as a B2B ordering layer for Shopify merchants and has grown into a multi-platform B2B commerce framework (Shopify, BigCommerce, WooCommerce, Wix) serving 3,500+ brands. Its embedded-finance surface is deliberately thin — it does not process payments or issue credit itself. Instead, it orchestrates net terms, invoicing, and B2B BNPL via partners like Hokodo, Balance, and Billie, and syncs financial data to Xero/QuickBooks. The 2026 'Unify' release doubled down on this positioning as the connective tissue between store, sales team, and finance stack.
Product timeline
2020
SparkLayer founded in Bath, UK to build a B2B ordering layer on top of Shopify, BigCommerce, WooCommerce, and Wix· founding
2023
Raised seed investment from industry leaders to accelerate B2B eCommerce growth· funding
2026
Launched SparkLayer Unify — Forms, Catalogs, and Accountancy integrations with Xero, QuickBooks, and Shopify· product
2026
Appointed Neil Kuschel as Executive Chairman· leadership
The stack
2 layers disclosed in SparkLayer’s embedded-finance stack
Accounting
in the full report
Accounting gap: none
3 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.